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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $136,449 | $106,551+28.1% | $91,225+49.6% | $134,532+1.4% |
| Participation rate | 27.3% | 76.8%-49.5pp | 73.2%-45.9pp | 81.2%-54.0pp |
| Annual return | -17.85% | 160.78%-178.6pp | 114.12%-132.0pp | 418.27%-436.1pp |
| Employer contribution / active EE | $186 | $3,331-94.4% | $2,851-93.5% | $4,741-96.1% |
| Participant deferral / active EE | $1,526 | $4,718-67.7% | $4,233-64.0% | $6,401-76.2% |
| Admin fee / account holder | $78,820 | $6,234+1164.3% | $5,422+1353.6% | $11,429+589.7% |